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How to Retire on Time

Kedrec Wealth
Retirement Planning
Investment Strategies
Social Security
Financial Planning
Tax Planning
Financial Advice
Retirement
Annuities
Inflation
S&P 500
Tax Minimization
IRA
4% Rule
Investments
Medicare
Estate Planning
Stock Market
Financial Advisors
Taxes
Roth IRA

Welcome to How to Retire on Time, a show that answers your retirement questions. Say goodbye to the oversimplified advice you've heard hundreds of times. This show is about getting into the nitty-gritty so you can make better decisions as you prepare for retirement. Text your questions to 913-363-1234 and we'll feature them on the show. Don't forget to grab a copy of the book, How to Retire on Tim... more

PublishesDailyEpisodes435Founded2 years ago
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InvestingBusinessEducationHow To

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Artwork for How to Retire on Time

Latest Episodes

“Hey Mike, when does tax planning really make a noticeable difference in a retirement plan?” 

Discover how tax planning decisions can impact your income strategy and the long-term efficiency of your plan. 

Text your questions to 913-363-1234. 

 

R... more

“Hey Mike, can you retire with $250,000?”  

Discover how structuring your income, taxes, and portfolio the right way may matter more than the total amount you’ve saved. 

Text your questions to 913-363-1234. 

 

Request Your Wealth Analysis by going... more

“Hey Mike, how much should I have saved at 55 years old?” 

Discover why focusing on a number can be misleading and how your retirement plan should be built around your income goals and lifestyle instead. 

Text your questions to 913-363-1234. 

 

Re... more

Hey, Mike. If you can’t beat the market, then why doesn’t Warren Buffet just invest in the market. 

Discover why investing with purpose and managing downside risk can be more important than trying to match the market every year.

Text your questions... more

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Recent Guests

Dr. Richard Himmer
Author of Your Encore Years; retirement psychology expert
Author, Your Encore Years
Episode: What Many People Miss When Preparing for Retirement
David Franzen
Co-host and reader of listener questions
Episode: Your Retirement Goal Line is Near – How Your Playbook Changes in Retirement
Tammy Reid
Optimistic, kind, and humble volunteer, involved in charity work helping those affected by domestic abuse.
Episode: Why Charity Matters (With Tammy Reid and Other Guests)
Amy Cox
Executive Director of Flourish Furniture Bank, which provides furniture and home essentials to families in need.
Flourish Furniture Bank
Episode: Why Charity Matters (With Tammy Reid and Other Guests)
Cindy McDavitt
Chair of the Kansas City Committee of Giving Machines, overseeing charitable vending machine initiatives.
Giving Machines
Episode: Why Charity Matters (With Tammy Reid and Other Guests)

Host

Mike Decker
Licensed financial advisor; author of How to Retire on Time; host of multiple retirement planning programs and related resources.

Reviews

4.3 out of 5 stars from 12 ratings
  • Stay out of politics

    Mayor Mandan is not a socialist as you have said. He is a Democratic Socialist who proposes the Nordic Model. you got a bunch of very successful. Scandinavian counties that has disproven your argument.

    Apple Podcasts
    1
    Mr Natty Boh
    United States3 months ago
  • DIY soon to be retired

    This quickly became one of my favorite podcasts. The content is so useful and explained in easy to understand manner.

    Apple Podcasts
    5
    PDC2025
    United States5 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Solid, practical financial insights with clear explanations.
Engaging hosts that provide nuanced takes beyond headlines.
Useful, actionable retirement guidance that's easy to apply.
Mixed reviews on political discussions, but content remains informative.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#211
Canada/Education/How To
Apple Podcasts
#98
South Korea/Education/How To

Talking Points

Recent interactions between the hosts and their guests.

A Quick Guide to Your Last 10 Working Years
Q: Should I put money in a Roth IRA ten years before retirement?
Yes, consider Roth contributions or conversions depending on current vs expected future tax rates, with attention to higher earners who may still benefit from tax diversification as their needs and brackets change in the years leading to retirement.
A Quick Guide to Your Last 10 Working Years
Q: What would you do in your final 10 working years to prepare for retirement?
Focus on defining the needed income, then allocate money across tax-advantaged buckets (pre-tax, Roth, brokerage) and choose investments that optimize taxes and liquidity for that window, including potential Roth conversions and careful Social Security timing.
When to Pay Off Debt Before Retirement and When to Keep It
Q: Hey, Mike, if I am 10 years away from retirement but still have some debt, should I pay off my debt first or focus on saving in my IRA?
The best approach is to classify debt into bad and good debt, pay down high-interest bad debt first, and then balance remaining payments with retirement savings; if debt is not crippling and you have an opportunity to contribute to Roth/IRA, you may prioritize retirement accounts while paying down debt in a way that doesn't compromise your overall financial growth.
How to Handle Retirement Regret
Q: What should someone do if they retire and feel regret about the decision?
Focus on rebuilding structure and social connections, pursue meaningful, achievable goals, and gradually incorporate new activities that provide purpose and dopamine-driven reward without overwhelming change.
What to Consider Before Starting a Business in Retirement
Q: Hey, Mike, I want to create a business in retirement to keep myself busy. What should I know?
David explains you should assess your genuine interest and the likelihood of making money, avoid using a hobby as a tax write-off, keep books simple, and choose an appropriate structure (sole proprietorship or LLC/S Corp) depending on liability and tax considerations.

Audience Metrics

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Frequently Asked Questions About How to Retire on Time

What is How to Retire on Time about and what kind of topics does it cover?

This show centers on practical retirement planning with a focus on nuanced financial strategies rather than generic, one-size-fits-all advice. Topics frequently cover tax strategy, Social Security, RMDs, annuities, currency risks, and diversification across asset classes, all through a retirement-first lens. A standout aspect is the emphasis on actionable steps, professional guidance, and real-world scenarios to help listeners make informed, personalized decisions about retirement readiness and income planning.

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Which podcasts are similar to How to Retire on Time?

These podcasts share a similar audience with How to Retire on Time:

1. Your Money, Your Wealth
2. Retirement Answer Man
3. Stay Wealthy Retirement Podcast
4. The Long View
5. The Ramsey Show

How many episodes of How to Retire on Time are there?

How to Retire on Time launched 2 years ago and published 435 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on How to Retire on Time?

Recent guests on How to Retire on Time include:

1. Dr. Richard Himmer
2. David Franzen
3. Tammy Reid
4. Amy Cox
5. Cindy McDavitt

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